SIP Calculator for ₹1K/month — 10 Years Returns
Your monthly investment of ₹1K/month at 12% for 10 Years grows to ₹2.32 L.
Maturity Value
₹2.32 L
Total Invested
₹1.20 L
Est. Returns
₹1.12 L
Wealth Gain
93.6%
Breakdown
Invested: ₹1.20 L (52%)
Returns: ₹1.12 L (48%)
📊 Interactive Growth Analysis
Invested vs Returns
Wealth Growth Over Time
Scenario Comparison
| Metric | Your plan | +2% Returns (14.0%) | +5 Years (15yr) |
|---|---|---|---|
| Total Invested | ₹1.20 L | ₹1.20 L | ₹1.80 L |
| Maturity Value | ₹2.32 L | ₹2.62 L ↑ ₹29,752 | ₹5.05 L ↑ ₹2.72 L |
| Est. Returns | ₹1.12 L | ₹1.42 L | ₹3.25 L |
💡 Understanding SIP Returns on ₹1K/month
A ₹1K/month SIP is an excellent starting point for beginners. At 12% expected annual returns over 10 Years, your total investment of ₹1.20 L grows to ₹2.32 L — generating ₹1.12 L in estimated returns. That's a 94% wealth gain on your invested capital.
The power of compounding means even small increases in your SIP amount create dramatic differences over time. Increasing from ₹1K/month to ₹2K/month doubles your maturity value proportionally. Consider setting up a step-up SIP that increases by 10% each year — this mirrors your salary growth and significantly boosts your final corpus.